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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $103,316 | $92,219+12.0% | $76,767+34.6% | $135,380-23.7% |
| Participation rate | 66.7% | 79.8%-13.1pp | 77.0%-10.3pp | 82.6%-16.0pp |
| Annual return | -3.02% | 5.46%-8.5pp | 2.43%-5.4pp | 519.81%-522.8pp |
| Employer contribution / active EE | $383 | $3,216-88.1% | $2,485-84.6% | $4,779-92.0% |
| Participant deferral / active EE | $1,464 | $4,508-67.5% | $3,852-62.0% | $5,609-73.9% |
| Admin fee / account holder | $2,671 | $10,749-75.2% | $6,675-60.0% | $10,828-75.3% |